UPI has become one of the easiest and most trusted digital payment methods in India. People use it everywhere—from grocery shops to cab services—by simply scanning QR codes.
Now, UPI has become even more useful. By linking your RuPay credit card to UPI, you can earn reward points and cashback on your everyday payments.
Earlier, UPI payments were made directly from bank accounts and did not offer extra benefits. But now, when you scan a QR code to pay, the amount is deducted from your credit card instead of your bank account.
At the same time, reward points are added to your credit card account. This means even small daily expenses like vegetables, milk, petrol, and medicines can help you earn rewards.
How RuPay Credit Card Works with UPI
At present, only RuPay credit cards can be linked with UPI apps.
When you make a payment by scanning a QR code at a shop, the money is deducted from your RuPay credit card, not your bank account. In this way, you get the same reward points that you usually receive when you swipe your credit card.
Important Rules and Conditions
There are some conditions you should know. Reward points are available only on merchant payments, not on money transfers to friends or family. Also, normal credit card limits and charges apply, just like regular card usage.
Each bank and card company has its own rules, so reward points, cashback offers, and benefits may differ from one card to another.
Benefits for Customers and Banks
Experts say this new feature will benefit not only customers but also banks and card companies. It will increase the use of credit cards and help banks retain customers for a longer time.
Customers will now earn reward points even on small daily expenses, which can later be used for shopping, travel, and other offers.
Smarter Way to Pay with UPI
The combination of UPI and credit cards is making daily payments smarter and more rewarding.
Now, every QR code scan is not just a payment, but also a chance to earn rewards. However, customers should always keep an eye on their card limits and rules before using this feature.
